budget 12g skeet and HD shotgun for wife: S/S, O/U, or pump?

We already have a pump, but I'd like my wife to have her own 12g shotgun for both skeet and home or cabin defense. (Pistol, that she has her own, are for last ditch use sidearms in the event a long arm's not handy.) Also, wife has her own semi-auto shotgun, but has a long target/hunting barrel, clumsy for CQB. Besides semi-autos are not as K.I.S.S. reliable when fraction of seconds count. Matter of fact, I jammed it up so bad while loading, during rapid shooting exercise, thus needs a gunsmith to fix it.

so the barrel must be 20" to be allowed to use at our ranges. I'm leaning towards a coach gun with a stock solidly mounted shell carrier to hold extra slugs. at near contact-close ranges, slugs are more effective for both two legged and four legged threats.

I've got a Mossberg 500 and I love it. We used them at the prison extensively. As in thousands of rounds through them every year and don't have any issues with them. They are versitile. If you want to change the length of the barel, you could to that yourself. The pump option is what I like. I use it for hunting as well as for home security.

I've used the shorter barels when I was on the munitions squad. They are fine, but there isn't a huge difference there other than kick.

I have the wood stock, but I always liked the black composite we used at the prison.

I've got a Mossberg 500 and I love it. We used them at the prison extensively. As in thousands of rounds through them every year and don't have any issues with them. They are versitile. If you want to change the length of the barel, you could to that yourself. The pump option is what I like. I use it for hunting as well as for home security.

I've used the shorter barels when I was on the munitions squad. They are fine, but there isn't a huge difference there other than kick.

I have the wood stock, but I always liked the black composite we used at the prison.

Mossberg 500 is what I got for my mom. And with the long barrel, you can use it for sports! For HD, just put the short barrel on! Put a nice shock absorbing stock, and your lady will love taking it to the range.